ACCOUNTING test tommorrow.need help with debits and credits?

i am having soooo much trouble with understanding debits and credits and how to set up T-accounts... i just need the basics...i get confused b/c i think of debit cards and credit cards and the plus and minus factor get all screwed up..SO basically all i need is an explanation on t-accounts..how and why they need to be balanced.... and a STUPID GIRL(lol) explanation of what debit and credits are..THANK YOU SOOOOOO much in advance..p.s any extra advice is welcome.=0)